Community Reinvestment Act (CRA)

The Community Reinvestment Act of 1977 (CRA) encourages certain insured depository institutions to help meet the credit needs of the communities in which they are chartered, including low- and moderate-income (LMI) neighborhoods, consistent with the safe and sound operation of such institutions.

The CRA requires federal banking agencies to

  • assess the institution's record of meeting the credit needs of its entire community, including LMI neighborhoods, consistent with the safe and sound operation of such institution, and
  • take such record into account in its evaluation of an application for a deposit facility by such institution.

2021 Final CRA Rule (Based on 1995 CRA Rule)

On December 14, 2021, the Office of the Comptroller of the Currency (OCC) issued a final rule to rescind the June 2020 CRA rule and replace it with a rule based on the rules adopted jointly by the federal banking agencies in 1995, as amended. The final rule became effective on January 1, 2022, and aligns the OCC’s CRA rules with the current Board of Governors of the Federal Reserve System and Federal Deposit Insurance Corporation rules, thereby facilitating the ongoing interagency work to modernize the CRA regulatory framework and create consistency for all insured depository institutions."

Rescinded June 2020 Rule

The OCC issued a CRA final rule on December 14, 2021 (2021 final rule). The 2021 final rule rescinds and replaces the OCC's CRA rule published on June 5, 2020, and is effective on January 1, 2022. Guidance issued to implement the 2020 rule remains in effect for activities conducted October 1, 2020 through December 31, 2021.

CRA Performance Evaluations

Top Tasks

CRA Qualifying Activity Confirmation Request

Qualifying Activity Confirmation

Visit the CRA Qualifying Activity Confirmation Request page.

CRA Search Database

Search CRA Database

Search national banks and federal savings associations' CRA ratings and performance evaluations.

CRA Exam Schedule

View CRA Exam Schedule

Get a list of national banks and federal savings associations scheduled for CRA examinations in the next quarter.

Handbook, Procedures, and Guidance

Additional Resources

National Banks Evaluated on the Basis of a Strategic Plan Under the CRA
Get a list of national banks operating under approved CRA strategic plans and a reference to the authorizing regulation.

Wholesale and Limited Purpose Banks
Get a list of banks designated as wholesale or limited purpose, definitions for these terms, and a reference to the authorizing regulation.

Community Affairs
Get information about best practices and investment opportunities on a broad range of community development topics and access training, workshops and conferences conducted by District Community Affairs Officers.